Update to register of charges: how long?

desthemoaner

user1977 said:

desthemoaner said:

Slithery said:

desthemoaner said:

We redeemed the mortgage ourselves,  independent of the conveyancing process.

OK then. So have you requested expidition from the LR?

desthemoaner said:
because it became obvious early on that cash buyers have an advantage in the current housing market. 

That really isn't true.

I don't understand what you mean by "expedition" in that context.

"Expedition" means asking the Land Registry to give priority to the application to register, because it's holding up another transaction.

in the microcosm of our own house-buying experience, the advantage of cash buyers soon became pretty obvious. We lost out on two properties because of cash buyers making offers over asking price, and in competition with another buyer, I'm pretty sure that the seller chose us because we didn't have a mortgage.

It would have made absolutely no sense for them to do so. All that sellers might care about is whether you need a new mortgage in order to fund your purchase. Whether you're redeeming your existing mortgage at completion of your sale, or shortly beforehand, is irrelevant to your seller. And as you've now discovered, doing the latter may, if anything, complicate matters.

Right, I understand now, thanks. I'll contact our solicitor tomorrow and ask them to expedite. It'll probably cost us money, but the bigger picture takes priority. 

My original thought was to allow our existing mortgage to "port" to the new property, but I was persuaded to pay it off by a genuine sense that this would put us at a disadvantage in current market circumstances. With hindsight that may well have been a mistake, though its unusual for paying off your debts to put you at a disadvantage.

desthemoaner

Slithery said:

desthemoaner said:

Even though we paid off the mortgage and the BS asked LR to discharge the charge against our property, the LR won't actually alter the register unless either we or the solicitors ask them to do it. Is that right? 

No.

It will be in the LR's queue of things to do, they will get round to it eventually (could be several months though). If you can prove to the LR that it is holding up another transaction then you can apply for it to be expidited meaning you get to push in to the front of the queue.

Also you are misunderstanding the term 'cash buyer'. A cash buyer is someone who has the full purchase price sat in their bank account ready to go. As you are relying on the sale of your current property for your onward purchase you are in the same situation as anyone else in a chain.

OK, I get it now. The application to change the register is there, but we ( or our solicitors) need to contact them to make it a priority. 

And re the definition of "cash buyer" yes, I'm sure you're correct and I should have said "mortgage-free buyer". Or perhaps "buyer who doesn't need to apply for a mortgage in order to buy".

desthemoaner

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

p00hsticks

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

desthemoaner

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

csgohan4

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

desthemoaner

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

Thanks again. I've just been on the phone to my bank and cancelled the card I used to pay the scammers. I'll also watch my credit files as you suggest. 

user1977

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

That seems overly alarmist. Their advertising might be designed to mislead, but I've never heard of those types of outfit doing anything fraudulent with their customer information. 

csgohan4

user1977 said:

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

That seems overly alarmist. Their advertising might be designed to mislead, but I've never heard of those types of outfit doing anything fraudulent with their customer information. 

If they've invested money to scam you, you can bet they won't be doing things morally either

desthemoaner

csgohan4 said:

user1977 said:

csgohan4 said:

desthemoaner said:

p00hsticks said:

desthemoaner said:

 Just briefly returning to this old thread with one further question. During the course of my "investigations" I discovered that my middle name is incorrectly noted on the Proprietorship Register. I contacted LR and they sent me form AP1 to complete in order to implement the correction. Is requesting this fairly minor change essential in order to prevent difficulties when the title is transferred? If not, then I'm inclined to let sleeping dogs lie till after completion in order to avoid any delays. 

Just on the earlier topic of this thread, I decided to take the bull by the horns and order a copy from the register to check whether the mortgage charge was still in place. Before doing this I contacted my solicitor by phone ( left a voicemail) and email and asked them whether they had taken any steps to find out whether the charge was still in place. In the absence of any response, I requested the copy from the register  and was charged 35 quid for the service. The very next day my conveyancer informed me that they'd ordered new office copies and could confirm that the charge had been removed. 

Down to experience, I suppose. 

There is a thread on this board monitored by an official Land Registry representative where it would be best to post your query about the incorrect name (I'm not sure they're around at weekends though).

https://forums.moneysavingexpert.com/discussion/5685941/land-registry-questions

As for paying £35 for a copy of the title, I'm afraid it sounds like you've been suckered in to click on one of those ads that come to the top of an internet search list, where they offer to do things for you that you can easily do yourself in return for an extortionate price - if you'd used the official gov.uk site it would have only cost you £3.

https://www.gov.uk/search-property-information-land-registry

Sadly I think you're right about the scam. I made the original request through the LR themselves, but somehow ended up speaking to an organisation calling themselves "NINO Direct", and a quick search ( which yes, I should have done before paying) reveals them to be scammers. I'm gutted because I'm normally pretty savvy about such matters, but with luck my experience will serve as a warning to someone else. 

I'll post my question on the thread that you indicate,and many thanks. 

My concern now is they have your personal details, I would consider cancelling the card you paid them with and watch your credit files closely for the next 24 months

That seems overly alarmist. Their advertising might be designed to mislead, but I've never heard of those types of outfit doing anything fraudulent with their customer information. 

If they've invested money to scam you, you can bet they won't be doing things morally either

 I tend to agree. Any organisation which is set up to deliberately hoodwink consumers into paying more money for government services than they need to is already acting in an unethical fashion, and that may include failure to  protect customers' private information. Even if its not company policy to steal and misuse debit card details, there may be individuals working for them who take a different view.